Hi I just went thru the big hail storm I got a 2010 murano with 46k miles in perfect condition all maintenance done on time leather seats still look brand new bose stereo system anyways I had hail Crack my sunroof the adjuster came out and when she left there's a big hole in it they just said we'll it needed replaced but now there saying total loss 5000 I cannot even come close to finding a car for that price in the shape mine was and of course I cannot find anyone to fix it not even the Nissan garage or any glass repair shops my question is can I fight them on what there offering they said if I want to keep it they will give me 2000 then minus my deductible this is my first claim ever and I feel like im getting screwed over thanks
Posted by Financial-Phase-2219
8 Comments
Where is the scam?
Did you sleep through English class the day you were supposed to learn about periods? This is gibberish.
Insurance pays the actual cash value (ACV). Significant damage on a 2010 vehicle is going to cause it to be totaled, and the car isn’t worth much.
What are you trying to fight? The total loss? If you can’t find a place to fix it what’s your intention?
Sigh. Do an owner retain. They will minus the salvage/auction value from the pay out and pay you the remainder and you keep the car with a salvage title.
First time I’ve seen something like this…literally no periods or punctuation.
Somewhere you said 2010 Nissan Marano not your problem
If the hail is big enough to damage your sunroof glass, it’s big enough to cause dents in the sheet metal. Insurance is concerned about the cost of putting your vehicle back to pre-loss condition. If it was indeed in perfect condition before the hail, but now has hail damage across multiple panels, the cost of repairing the damage will easily exceed the value of a 2010 Murano.
No, you can’t tell the insurance company to only consider what you want considered. When the cost of repairs from a covered loss exceed the total loss threshold, the vehicle is a total loss. It’s the total cost of repairs that matters, not just the repairs you care about.
Ask for the valuation report. Make sure the report is an accurate representation of your vehicle. Older Nissans like yours might not correctly decode when the VINs are run. You are the best advocate for your vehicle, so take a look at how they got their value and work with them if corrections need to be made.